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What is the best plan for American healthcare?

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Yesterday's National Conservative Examiner article focused on demonstrating that, contrary to the oft-repeated mantra of Democrats and progressives, conservatives and libertarians have offered many various alternatives to Obamacare. Republicans in the House have done the same thing but to no avail since Harry Reid and the Democrats control the U.S. Senate.

As the article shows, various and sundry plans and ideas have been put on the table by opponents of Obamacare. It is simply not true that all we have done is bash the Affordable Care Act without providing specific details of alternative plans that would actually be much better for the country.

Regardless of the fact that most of these plans and ideas go unnoticed and unreported in the mainstream media, I wish to put forth my own personal preference concerning what would be the best plan for American healthcare. Here, therefore, I am going to go further than yesterday's article. I am going to endorse a plan, offering specific ideas and concepts that I truly believe in as a conscientious advocate for maximum human liberty.

First, I believe that the government should get out of the healthcare business altogether. Take a look at the VA system today, and you will get a sobering education as to what government healthcare is all about. Delays. Deadly delays. Covering up delays. Covering up deaths that have occurred as a result of the delays. Yes, the VA system is killing people. And Obamacare will kill people eventually, much more so than the system that was in place before the Affordable Care Act.

And by the way, new documents obtained by Fox News Tuesday evening show that Barack Obama was sent a memo, an email in 2010 specifically detailing the urgency of the problem regarding delays and the danger inherent in those delays. This was two years after he was first made aware of the VA problem while he was running for president in 2008. Still, nothing was done then, and nothing was done between 2008 and 2010 either. And certainly nothing has been done between 2010 and the present. So when Obama says he only learned of the urgency of the problem from the news, he was lying, as usual. He knew full well what was happening but did nothing.

Thus, no government healthcare at all, period. None. Zilch. Government bureaucracy is clumsy, inefficient, and dangerously slow.

Having said that, what am I for? I am for tax free healthcare savings accounts. Citizens could then switch from high cost insurance plans with low deductibles and low copays to less expensive catastrophic medical insurance with high deductibles and higher copays. These insurance plans cost much less. The savings could be placed into the healthcare savings accounts, and the higher deductibles and copays could be paid out of these accounts. Tax policies should be changed to give hefty tax benefits to those who buy catastrophic insurance and participate in healthcare savings accounts.

As you may have noticed, my preferred plan is the one proposed by the Cato Institute.

But what about the poor, the severely ill elderly, and the like? Ron Paul said it best when he wrote this:

In the days before Medicare and Medicaid, the poor and elderly were admitted to hospitals at the same rate they are now, and received good care. Before those programs came into existence, every physician understood that he or she had a responsibility towards the less fortunate and free medical care was the norm. Hardly anyone is aware of this today, since it doesn’t fit into the typical, by the script story of government rescuing us from a predatory private sector.

Everyone, in fact, got in on the free medical care bandwagon, not only doctors but nurses and churches. Most churches had programs that offered free care to those who could not afford it. Many of these developed into faith based hospitals that continued that practice until government regulation made it nearly impossible.

Tort reform is a key component of my preferred plan in order to prevent frivolous lawsuits brought by unscrupulous lawyers whose actions have driven the costs of healthcare sky high. Malpractice insurance costs have risen to the point to where some physicians in high risk specialties cannot afford to stay in business. Tort reform will change that.

A big contributing factor to the high costs of private healthcare is the medical insurance industry monopoly. They intrude in the doctor-patient relationship. They tell doctors how to treat their patients. They tell them they cannot order certain tests for certain patients. And their costs have made medicine so expensive that it is nearly out of reach for ordinary citizens. The power and meddling of insurance companies in healthcare should be stopped cold. A monopoly is not good for anyone, especially when it comes to life and death issues. The big insurance corporations should be broken up into small, manageable businesses with limited power and that are there to do one thing only -- provide insurance rather than dictate to doctors the nature of the care they deliver.

And then, finally, allowing citizens to purchase health insurance across state lines will increase competition, which will drive down the costs of insurance plans. Why does government prevent me from buying a plan from a company in Alaska if that company is much cheaper than anything my state offers?

The voucher plan appears to be based on more government meddling and control that will lead to an entitlement. We have too many entitlements already. Adding yet another will only drive up more debt, which is already so high that most honest economists say we will never be able to pay what we owe to our creditors. We don't deal with a problem by creating more problems with something that is on the brink of destroying us -- the national debt.

You may also be interested in the following:

My personal blog, The Liberty Sphere.

My popular series titled, Musings After Midnight.

My ministry site, Martin Christian Ministries.

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